Applying for a personal loan
Revolut offers unsecured personal loans which can be fully managed in-app.
Loan eligibility
To have a loan with Revolut, you must meet the following requirements:
- You have a Romanian ID
- You're a Romanian citizen
- You have a regular, sustainable, and verifiable income registered with ANAF. If you've registered your account in Romania but you're working abroad, your income may not be recorded in the ANAF database, so we recommend checking this with your employer
- You permanently live in Romania and your current address is linked to your Revolut account
- You're at least 18 years old
- You have a clean credit history and no history of missed repayments
- You have a local mobile phone number linked to your Revolut account
- You have no negative balances in your Revolut account and no overdue commitments to third parties
- You're a customer of Revolut Bank UAB Vilnius Sucursala Bucuresti
How to apply for a personal loan
In your Revolut app:
- Go to 'Home' on the bottom menu
- Below your balance, tap 'Accounts'
- Tap 'Add new'
- Select Credit, and then 'Personal loan'
- Fill out the short application
Typically, application outcomes are automated, but sometimes additional manual checks are required. In this case, our manual underwriters will reach out via the in-app chat. If we need additional documents, you'll be able to submit them in-app. You should get a decision within 1–2 business days.
If you're approved, you'll need to finalise the process by:
- Viewing the offer
- Editing the offer (if needed)
- Reading the pre-contractual documentation
- Accepting the offer via e-signature
The disbursement will be available in your Revolut account.
Why is my loan offer different to what I applied for?
While reviewing your loan application, we carefully consider your existing debts, expenses, and income. If we determine that the amount and term you initially asked for may lead to financial difficulties, we'll adjust the offer accordingly.
Our decision regarding a loan application is final, non-negotiable, and can't be changed by our Customer Support agents.